Know your
numbers.
Understand how your business is really doing. And see what you can do to make a difference.
- Profitability and margins
- Cash flow and financial planning
- Budgets and management reporting
Financial consultancy for small businesses
Your next step.
Financially
confident.
A financial partner who thinks alongside you.
About your profit, your cash flow and your room to grow.
Let’s get to know you 30 minutes. No obligation. All about your business.
Room to build your business
You know your business.
Together, we see
what’s possible.
You’re building a business. You spot opportunities, feel the pressure points and make decisions every day. It helps to have someone alongside you who sees the financial picture.
Lume connects your plans with your numbers. We bring clarity, ask the right questions and help you work out what makes sense. Personal, practical advice with your business’s future in mind.
Sound familiar?
You have the numbers.
What’s next?
It often starts with a question
that’s been on your mind for a while.
Being busy doesn’t always mean being profitable. Together, we look at which clients, products or projects contribute to your results, where costs are rising and whether your pricing still makes sense.
What you gain
A clearer view of your margins and practical choices to improve profitability.
Our expertise
From insight
to direction.
Financial advice that meets you where you are. For a specific question, an important decision or an ongoing partnership.
Know your
Confident
decisions.
Turn your plans into financial possibilities. With a clear view of the opportunities, implications and risks.
- Growth and investment
- Pricing and business models
- Scenarios and feasibility
A partner
by your side.
Someone who knows your business, asks thoughtful questions and works through the financial implications of your decisions with you.
- Regular financial conversations
- Tracking results and adjusting course
- Working with your bookkeeper
04 / FINANCIAL AUTOMATIONLess manual work.
Less manual work.
More control.
Your financial processes can often work better. We map out recurring tasks and automate where it helps, building around the systems you already use.
- Preparing reportsBringing together data from your accounting, banking and other systems.
- Following up unpaid invoicesFlagging outstanding invoices and preparing payment reminders.
- Keeping cash flow up to dateUpdating your overview of incoming and outgoing payments with new data.
With clear checks and a proper handover to your team.
Let’s talk about your financial processesYour bookkeeper remains your trusted foundation. We build on that with analysis, planning, advice and smarter processes.
How we work
A good conversation.
A clear next step.
You don’t need to know exactly what help you need yet.
We’ll work that out together.
Your story first.
In a no-obligation introduction, we listen to where you are, what you want to achieve and the questions on your mind.
A 30-minute introductionAn approach that fits.
A focused advisory or process improvement project, or regular support. You receive a proposal with a clear scope, timeline and fees before we begin.
Clarity from the startMoving forward together.
We make your numbers understandable, work through your options and discuss what the insights mean for the decisions you want to make.
Advice you can act onThe people behind Lume
Financial expertise.
Personally involved.
Two financial partners who help you understand your numbers, see the bigger picture and plan your next step. We both advise on profit, cash flow, strategy and growth.
Zia-Yade Patrick
Founder & financial adviserEntrepreneur and financial strategist. Her path took her from international finance through business control in renewable energy to her own advisory practice. She was responsible for budgets, forecasts and reporting to management teams and banks. Along the way, she learned how financial performance and business decisions shape each other: where profit comes from, what growth demands of cash flow and which risks to spot early. As a financial partner, she turns that experience into insight, clarity and direction for small and medium-sized businesses.
From managing your day-to-day finances to planning your next stage of growth, she works through the options with you and asks the questions that help you move forward. Her expertise in processes and automation helps you maintain that control. Her aim is simple: for you to understand what your numbers are telling you and feel confident making decisions about your business’s future.
Sindhu Mamillapalli
Financial adviserFinancial strategist and financing specialist. From analysing investments at a development bank to arranging growth financing for an international energy business. Over more than eight years, she worked on 19 investments and helped raise around US$100 million in capital. She understands both sides of the table: the investor and the business. She knows how growth plans are assessed, which risks matter and what lenders need to build confidence in a business. As a financial partner, she brings that knowledge to the questions facing small and medium-sized business owners.
Whether you are considering an investment, preparing for growth or looking to understand your profitability, she helps you see both the possibilities and their implications. She makes financial scenarios clear and examines the assumptions behind your plans. So you understand where you stand, what your business can sustain and which next step is right for you.
The first step is a conversation
What’s next
for your business?
Tell us what you’re facing and where you want to go. We’d be happy to think through a sensible next step with you.
Book an introduction No obligation · 30 minutes · With ZiaPrefer email? hello@lumefinancials.com